Timeswap is the first oracleless lending/borrowing protocol. Timeswap enables the creation of money markets for any fungible token. By design, all loans in Timeswap are non-liquidatable and fixed-term. Timeswap operate entirely without oracles, and thus bears no oracle manipulation risks, which is highly prevalent in DeFi. Timeswap's oracle independence allows the creation of lending/borrowing markets for any spot token.